Deprivation of capital for a 90 year old

Torry_Quine

runninglea wrote: »

They say that it is below their threshold of 20K so done nothing wrong!

I'm no expert but it seems strange to me that someone could get such a large sum of money without being legally entitled. The bank's procedures seem wrong to me.

Hope you get it sorted

hermanmunster_3

I recently had to handle an estate of a intestate relative - there were 9 beneficiaries and I inherited a quarter of the estate. The Bank accepted the death certificate but had to pay the balance (under 15k) to the immediate next of kin ( a brother) ... not those of us sorting the estate out.

All easily resolved as we got on fine with 3 cousins keeping in close contact over decisions to be made eg about selling things.

However - could have been easy in other circumstances for a brother to think this meant he was the sole benficiary..

runninglea

hermanmunster wrote: »

I recently had to handle an estate of a intestate relative - there were 9 beneficiaries and I inherited a quarter of the estate. The Bank accepted the death certificate but had to pay the balance (under 15k) to the immediate next of kin ( a brother) ... not those of us sorting the estate out.

All easily resolved as we got on fine with 3 cousins keeping in close contact over decisions to be made eg about selling things.

However - could have been easy in other circumstances for a brother to think this meant he was the sole benficiary..

Yes we thought he was entitled to it, its just the getting back of the money etc now

clemmatis

runninglea wrote: »

They say that it is below their threshold of 20K so done nothing wrong!

runninglea, I was the sole beneficiary of my mother's will, and the sole executor. She'd banked at Lloyds for decades, and so had I, though at a different branch. Her branch knew me and knew I had POA, I wrote cheques drawn on her current account (for nursing home fees, mainly).

When I informed the bank of her death, they froze her account (which had a balance of about £4000 pounds). It stayed frozen till I took the probate papers in.

I'm amazed the banks closed the accounts and handed money over.

pebbles88

cte1111 wrote: »

I'm afraid you've been wrongly advised. If you are in a care home and are self-funding then you can receive Attendance Allowance.

Is there any financial help that is not means tested?

If you are self funding, Attendance Allowance is a non-means tested, non-taxable allowance paid at the lower rate of £47.80 per week for those needing care by day or night and, at a higher rate of £71.40 per week for those needing care by day and night. Also, whether your stay is temporary or permanent, if you receive nursing care in a care home you may be entitled to an NHS Registered Nursing Care Contribution (RNCC) towards the cost of your nursing care. If applicable, an amount of £108.70 per week is paid by the NHS direct to the nursing home as a contribution towards the weekly fees. If your needs are primarily health care needs, you may be entitled to full funding from your local Primary Care Trust (PCT) following an assessment under their continuing care eligibility criteria.

http://www.carehome.co.uk/fees/feesadvice.cfm

thanks, she isn't fully self funding though. She is paying a contribution. Nursing element being paid for by NHS, and majority of balance being paid by LA. So it does knock her out for the AA.

runninglea

pebbles88 wrote: »

thanks, she isn't fully self funding though. She is paying a contribution. Nursing element being paid for by NHS, and majority of balance being paid by LA. So it does knock her out for the AA.

I spoke to the home accounts dept today, they said that if my gran self funded then they knock 50% of the nursing element of the fees not the full amount.

They also said we could apply for aa

runninglea

Torry_Quine wrote: »

I'm no expert but it seems strange to me that someone could get such a large sum of money without being legally entitled. The bank's procedures seem wrong to me.

Hope you get it sorted

Thanks I dont understand either but both Natwest and Barclays have released the funds so not just one account.

Santander have not released the funds but it is apparantely more than 20k

pebbles88

runninglea wrote: »

I spoke to the home accounts dept today, they said that if my gran self funded then they knock 50% of the nursing element of the fees not the full amount.

They also said we could apply for aa

good to hear, fingers crossed dwp award it then. its such a nightmare sorting these things isnt it! i've checked again, we still cant get it for mum, but at least her contribution is only £144 p/w, ah well, onwards we go eh!

ps: if you are going to apply to dwp for AA, do it ASAP as it can take a few weeks to get up & running, when/if it's awarded by them, & you get the award notice/letter at least you'll know how much for sure that you'll have coming in. Will be peace of mind for you, as unfortunately, regardless of what the home 'say' you can apply for, it's not til you have actually applied to DWP & been awarded that you'll know.

When you complete the forms, take a photocopy of them (or save a copy if completing online which you can at direct.gov) as if you need them in the future, for any renewals etc, you will have the info that you first sent them. Make sure to include all details of what help she needs, even if you think its obvious, I always imagine you're having to explain to an alien who doesnt understand human physiology, thats the level of detail to go into.

debrag

princessdon wrote: »

Really? I see relatives reguarly taking them out. They can't go out without transport, can't get the bus - so the only way they can have some normality is with family.

I love my GM - she is an absolute gem who was my 2nd mother and I would never ever allow her to be alone in those 4 walls with no normality of life. she may have early dementia and physical difficulties but she is a human being who needs to be wheelchaired along the sea front, grab some fish and chips, ice cream - go to family gatherings and in general have a life. Being old and disabled needing care doesn't mean they stay in 24/7.

when i worked in care homes I rarely saw residents being taken out